Bismillahirahmanirrahim.

Question, guys. My dad just passed away early this month. We just got to know about his credit card debt. As a daughter and a Muslim, it is my responsibility to help him settle the debt. But the amount is too big for me to settle it in a lump sum. I seriously don't know how to start. Should I approach akpk for help? it is not my debt, but I'll be the one paying. Can akpk still help? or do I approach the bank directly? which one is scarier? can akpk help us deal with reducing the total debt? the debt has been accumulating for more than 15 years! btw, I know we can use harta pusaka to settle it for him, but the only harta he left is the house that we're currently living in and we've no intention of selling it.
I've been good with my credit management. Always paid in full, on time. Currently, I've 2 credit cards and 2 car loans, and I'll be done with 1 of them in Jan 2024. Would getting help from akpk affect my record? my only goal is to reduce the total amount and help settle his debt. I was wondering which party to approach for this matter. I even consider getting help from a trustee, lawyer, etc. but they're quite costly, aren't they?